Pakistan’s Roshan Digital Account (RDA) recorded a strong performance in September 2025, with inflows rising 20% month-on-month to reach $196 million, up from $164 million in August, according to the State Bank of Pakistan (SBP). The growth reflects continued confidence of overseas Pakistanis in the country’s digital banking and investment initiatives.
Launched in September 2020, the RDA enables non-resident Pakistanis (NRPs) to open and manage local bank accounts digitally, making investments and remittances seamless. It remains a critical source of foreign exchange inflows amid Pakistan’s ongoing liquidity and balance-of-payments challenges.
In September, $117 million of the total inflows were utilized locally, while $19 million was repatriated abroad. The number of active accounts also increased to 862,357, compared to 851,756 in August—showing consistent growth of 10,601 new accounts in one month.
Cumulatively, RDA inflows have reached $11.11 billion, of which $1.878 billion has been repatriated and $7.118 billion utilized locally. The net repatriable liability stands at $2.112 billion.
| Category | Amount (USD Million) |
| Total Inflows (September 2025) | 196 |
| Local Utilization | 117 |
| Repatriated Funds | 19 |
| Total Cumulative Inflows | 11,110 |
| Repatriated (Cumulative) | 1,878 |
| Utilized Locally (Cumulative) | 7,118 |
| Net Repatriable Liability | 2,112 |
| Naya Pakistan Certificates (NPCs) | 1,469 |
| Conventional NPCs | 490 |
| Islamic NPCs | 979 |
| Account Balances | 495 |
| Roshan Equity Investments | 95 (+16% MoM) |
The SBP highlighted that most funds remain invested in Naya Pakistan Certificates (NPCs), both conventional and Islamic, while Roshan Equity Investments grew by 16% in September alone.
“The consistent rise in RDA inflows underscores overseas Pakistanis’ growing trust in Pakistan’s financial ecosystem and digital banking reforms,” said an SBP official.
With rising participation and expanding digital services, the RDA continues to play a vital role in supporting Pakistan’s foreign reserves and strengthening economic stability.
